Re: Use your experience to be my simulator

My experience....depending on the age of the collections...10 -30 pts each when deleted. If you have 2 accts that are currently showing a 30 late and those are now current (and not closed by grantor) maybe 10 pts there. From 100% util to 10% util across 12 months....shows 1 more year in age AND reduction in util....I give 60 to 80 pts here.

I say 650 - 680 next year.

Oh, and BTW, my EQ 12 mo ago was 486 is currently 589 with 90% util and 1 new (incorrect to be deleted) collection....EX and TU were 520s a year ago...currently 655 and 659 respectively. I lost 60 pts maxing out the cards...pay those puppies off and guess where my score will be?

Re: Use your experience to be my simulator

Util, as well documented here, will give you a big bang for the buck in points. Hopefully you have some accounts in good standing to counteract those PFD's you hope to get. If those collections accounts are old revolving, sometimes it can actually ding you to get them removed you because it re-ages your credit file.

Re: Use your experience to be my simulator

I was under the strong impression that lates are far worse than high util. I have read posts where people had scores of 730 or so and had only one baddie, a 30 day late and their scores dropped to around 650. Any ideas here?

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